The only thing to do is to meet it on your own timeline, not its.
What you wrote is like saying "well, I'll just work through the pain" when someone asks about avoiding heart attack. That's not how heart attacks work, and that's not how burnout works either.
I have mortgage, wife, kids also and continue to plug along, but know the difference.
I got to my goal through a combination of good luck, hard work and other life choices (eg we have no kids, no car and are frugal for co² emission reduction). I also predicted the house prices crash of 2008 (not the whole thing, but definitely within my country) and waited for years while my friends bought vault overpriced properties way out of town. Then I watched the house prices tumble to decades low prices before grabbing an absolute bargain. That was one part of the luck. The other was the startup being acquired, but I got fucked on the stock, so it only just about covered my remaining debt. So I kept working and building a nest egg.
I did switch companies after a while and I spend another 2 years helping to build another startup. But one stressful day in the middle of a fundamental disagreement with my CTO, I just blurted out "I'm sorry, but think I quit!" I talked it through over the weekend with my wife, and confirmed it on the Monday.
After 20 years of unbroken employment I took 6 months off. I had all these plans for what I'd do (mostly tech side projects that I didn't have time for) but only achieved 10% of it because I was having so much fun doing DIY, gardening, running...
Up to that point in my life I was soooo tech focused. But after realizing that I could "insta-quit" at any time and do zero tech, I did worry that I had broken myself. But strangely enough I found myself working with another startup and absolutely loving it.
I realized that I need other people to need my expertise. Even though I love what I do, I find that I can't do it simply for myself. Work is a necessary "evil" that allows me to have my tech hobby. I just approach it differently now. I'm careful about who I work with and what they're building. Oh, and I also work 3.5 days a week now, so no more burnout.
That let me pay my mortgage early, which became a multiplier on my ability to save and invest. At this point, 3.5 days per week pays me enough to live comfortably on. When I was negotiating my last offer I asked for shorter working hours instead of more money. They accepted.